Top ClearBank Alternatives

SBS Banking Platform is a cutting-edge, cloud-native solution that provides financial institutions with the flexibility to scale according to their own needs, delivering seamless, digital-first experiences that can be accessed anytime, anywhere. Designed as a fully integrated, front-to-back platform, it fosters innovation across a variety of sectors, including retail banking, corporate banking, and neobanking. From digital and open banking services to deposits, payments, lending, and regulatory compliance, SBS Banking Platform equips financial institutions in the EMEA region with everything they need to stay ahead of the curve in an increasingly competitive market. By providing customizable solutions that align with the specific needs of each institution, the platform supports continuous growth and innovation. SBS Banking Platform is trusted by leading banks, earning recognition from industry giants such as Gartner, Forrester, NelsonHall, and IBS for its significant impact on the banking industry. Recent acknowledgments from Omdia for digital banking, Chartis for regulatory reporting, and NelsonHall for Cloud, SaaS & BPaaS reinforce the platform’s commitment to excellence and its position as a leader in modern banking technology. By streamlining operations and enhancing customer experiences, SBS Banking Platform is driving the future of digital banking.

Finicity's open banking platform simplifies the integration of your customers' financial data into your application or service. This innovative platform is utilized globally by leading organizations aiming to enhance financial experiences for their clientele. The quality of your experience hinges on the integrity of the data, which has proven reliable in the most challenging markets. With straightforward coding to endpoints, you can test data efficiently and connect seamlessly to Finicity’s open banking infrastructure, ensuring robust API coverage for banks, credit unions, and payroll providers. Our comprehensive suite of APIs makes it convenient to access the essential data required to drive your products forward, offering a streamlined solution for financial integration.

Sila operates a comprehensive payment platform that delivers Banking-as-a-Service via a developer-centric payment API, ensuring scalability and enabling quick, secure money transfers. This platform simplifies the process of creating and launching fintech applications and integrated payment solutions across various sectors, including finance, cryptocurrency, and Web3. Among Sila's features are Virtual Accounts, Digital Wallets, KYC/KYB services, and ACH payment APIs tailored for software development teams. Furthermore, additional capabilities can be accessed through a range of pre-approved, integrated partners, each providing varying levels of support. Sila’s excellence in the industry was highlighted when it received the Best Payments as a Service Platform award at the 2022 Embedded Banking Awards by Tearsheet. The company operates out of Portland, Oregon, and continues to innovate in the financial technology space.

With our comprehensive banking APIs, fintech knowledge, and dedicated customer support, we empower you to accelerate your market entry, minimize global payment processing costs, and broaden your service and product offerings on an international scale. Opening international bank accounts can present challenges; however, we simplify this process through seamless global reconciliation, direct debiting, and a cohesive banking experience worldwide. By facilitating international business transactions as easily as local ones, we enable payments to international vendors and customers using ACH, SPEI, and SEPA wire transfers. Our extensive network of foreign exchange and payment institutions provides your clients with access to rates that were once only available to large corporations. Our innovative strategy for cross-border payments guarantees that all businesses can participate without being excluded. We are committed to dismantling financial barriers to growth, ensuring that every enterprise has the opportunity to thrive and reach its full potential in the global marketplace. Our goal is to provide tools and resources that support businesses of all sizes in their journey towards international success.

Banking Circle functions as a fully licensed financial institution, providing critical infrastructure solutions tailored for businesses, banks, and marketplaces. With an extensive range of services, they facilitate cross-border payments in 24 different currencies and provide access to 11 local clearing systems, alongside a comprehensive suite of products aimed at accounts, payments, and foreign exchange. Since launching in 2016, the company has achieved an impressive compound annual growth rate of 108% in payment volumes processed for its clientele. Their infrastructure enables businesses to manage liquidity in real-time across all major currencies, ensuring security and compliance while expanding global market access for their customers. The intuitive, PSD2-compliant client portal makes payment and FX conversion management straightforward, offering immediate access without the need for complex integration. Furthermore, clients can connect to multiple domestic markets via a single integration point, eliminating the need for local banking partnerships. This innovative strategy not only streamlines operations but also significantly enhances efficiency for companies dealing with the intricacies of international finance, making it easier for them to adapt to shifting market demands. As a result, Banking Circle is positioned as a pivotal player in the financial landscape.

Rapidly open bank accounts, offer cryptocurrency wallets, process payments, and issue cards for your clients with Solid's extensive and compliant FinTech solutions. This platform can be seamlessly integrated in just minutes, enabling the creation of exceptional user experiences. Through Solid’s Banking as a Service (BaaS), businesses are empowered to design and launch a variety of deposit products, including personal and business checking accounts. It includes a full suite of features from ledgers to statements, ensuring all the fundamental components for enjoyable banking experiences are covered. Solid's Card Issuance and Management system is revolutionary, facilitating the issuance of cards tailored to your customers' needs via a single API. Both physical and virtual cards—credit, debit, and prepaid—are completely managed by Solid. Enhance your customer interactions with a smooth, powerful experience built into your product through Solid's instant account creation API. Moreover, issuing customized physical and virtual cards is quick and straightforward, complete with essential spending controls using Solid's card API, guaranteeing that your clients possess all the resources they require at their disposal. This versatility allows businesses to adapt quickly to ever-changing market demands and provide their customers with innovative financial solutions.

Enhance your customer experience by integrating financial services with Treezor's white-label solution, a leader in the European banking-as-a-service sector. Treezor is committed to guiding you through every stage of your payment project, providing unwavering support along the way. Our comprehensive suite of financial services meets the diverse needs of your project, while our modular all-in-one solution enables businesses of varying sizes, including fintechs and large enterprises, to accelerate their banking initiatives by delegating multiple payment functions to us. Rely on Treezor’s proficiency in regulatory compliance, security, and advanced technology for a smooth integration of payment solutions into your customer experience. As a vibrant and forward-thinking hub, Treezor nurtures the advancement of leading European fintechs, driving the evolution of payment systems. It has established itself as the preferred platform for innovative companies, startups, fintechs, neobanks, and more. By utilizing a single contract and one API for easy integration, you unlock access to a wide range of services and endless possibilities to refine your business strategies. Thus, Treezor emerges not merely as a service provider, but as an essential ally on your path to achieving enhanced financial innovation, making it an indispensable part of your business growth. With such capabilities, your organization can stay ahead in a rapidly changing financial landscape.

SlipStream Financial: Simplifying Corporate Payment Solutions. Founded on extensive expertise in the payment sector, SlipStream Financial is a fintech firm dedicated to creating treasury-level payment solutions for various clients, including corporations, banks, credit unions, and correspondent banks. In a remarkably brief timeframe, our payment gateway has successfully handled millions of transactions each month. While we have made significant strides, SlipStream Financial is committed to evolving and enhancing its services to establish itself as a leading payment gateway in the competitive landscape. Our journey is just beginning, and we are excited about the future ahead.

HUBUC serves as a robust embedded financial services platform tailored for non-fintech businesses, particularly in the B2B sector, enabling them to enhance their product offerings, improve client retention, and boost revenue streams. We achieve this through three straightforward methods: - We offer our clients a developer-friendly and powerful technological framework accessible via a single API. - We link our clients with the fintech capabilities of major industry players like VISA and Mastercard, as well as issuing banks and innovative services in foreign exchange, security, and compliance through one unified agreement. - Additionally, we support the implementation process and ensure secure transactions in all 58 markets where we operate, fostering confidence and reliability in every transaction. This comprehensive approach empowers non-financial firms to innovate and thrive in a competitive landscape.

Financial institutions are reshaping their operational approaches with an emphasis on prioritizing customer needs, while fintech developers are actively seeking new and imaginative avenues in the market. Open banking platforms utilize APIs to facilitate the smooth integration of a variety of products and services, promoting innovation and teamwork. By implementing a flexible and scalable all-in-one platform, these financial entities can boost their responsiveness, enhance their competitiveness, and stimulate growth. It is essential to customize offerings to align with the specific requirements of clients while providing the cutting-edge technology that consumers expect in the modern digital age. Finastra supplies a broad spectrum of dependable banking solutions, including Retail Banking, Payments, Lending, Corporate Banking, and Treasury & Capital Markets, equipping institutions with the essential tools for immediate deployment and long-term flexibility. Developers and fintech innovators looking to make a significant impact in the market, as well as financial institutions eager to craft groundbreaking products for their clientele, can leverage Finastra's core systems APIs to either create new applications or smoothly integrate existing solutions. Seize the chance to excel in this swiftly evolving financial landscape and contribute to meaningful change today, as the demand for innovative solutions continues to grow.

TrueLayer distinguishes itself as a leading technology company that provides secure and global access to financial systems. Our innovative APIs enable developers to build high-quality products capable of accessing data and processing payments swiftly and securely. Founded in 2016, TrueLayer has formed alliances with major international banks, boasts backing from notable venture capital firms, and is relied upon by top fintech innovators such as Monzo, Revolut, and Zopa. By promoting open banking through our platform, we empower developers across diverse industries—from budding startups to established corporations—to revolutionize financial services. Operating across the UK, Europe, and Australia, TrueLayer streamlines the incorporation of cutting-edge payments and financial information into any application. Develop groundbreaking products that appeal to your clientele, allowing for effortless money transfers at competitive rates while ensuring a remarkable user experience. Our solution not only removes the necessity for cards but also reduces the risk of fraud and eliminates chargebacks, leading to a seamless financial transaction process. Moreover, by facilitating easier access to financial data, we help businesses enhance their offerings and adapt to the ever-evolving financial landscape.

Expand the scope of your banking services by leveraging the Interlace platform, which empowers you to launch innovative bundled products and services for both current and potential clients through bank or partner channels. Migrate accounts from your outdated core systems to our state-of-the-art virtual account infrastructure, resulting in substantial decreases in legacy operational expenses. Our modern API-first, cloud-native architecture allows you to implement new projects in just weeks rather than months, effectively streamlining your operational workflows. Sidestep the challenges and costs tied to core replacements and side-car core initiatives while enjoying real-time processing for accounts, payments, and card transactions to enhance your service offerings. The centralized Interlace Console ensures compliance for all programs with banking controls that apply uniformly across each initiative. Additionally, our Real-time Settlement Automation ensures the accuracy of the funds flow and eliminates the necessity for manual reconciliation of programs, thereby improving both efficiency and precision in your operations. Furthermore, by utilizing our platform, you can maintain a competitive edge and remain agile in an ever-changing financial environment while continuously enhancing customer satisfaction.

We enable prominent financial institutions, corporations, and FinTech innovators to create unique payment solutions supported by a strong and immediate business case. Our rapid, scalable, and secure API, combined with our white-labeled platform, allows us to generate significant new net revenues and achieve cost efficiencies through the deployment of tailored solutions. Our proprietary platform is not only PCI-DSS certified but also interoperable, functioning from Tier-4 data centers that maintain top-tier security protocols. In addition, Bankable's Virtual Ledger Manager provides a cloud-based virtual account solution that improves cash management for global enterprises, complementing their existing bank accounts. This adaptable multi-bank solution excels at handling both standardized and proprietary data formats from various banks, ensuring smooth financial operations. By leveraging these cutting-edge technologies, we are set to transform the financial landscape and drive innovation in payment processing. With our comprehensive approach, we aim to elevate the performance and capabilities of our clients in an ever-evolving market.

BBVA is committed to empowering your small business to thrive. Discover our premium checking accounts tailored specifically for small businesses, which not only allow you to earn interest on your deposits but also conveniently facilitate fund transfers to your checking account as needed. We provide business loans customized for every type of project, big or small, ensuring that your specific needs are addressed. Manage your business expenses and cash flow effectively while reaping rewards from eligible purchases made with our Visa® credit card options. You’ll have access to all the essential tools necessary to keep your business operations efficient, including POS systems and a variety of payment acceptance methods. Moreover, benefit from exclusive programs designed for businesses and non-profits, available only to BBVA clients. The path of entrepreneurship is paved with challenges, and the pandemic has certainly tested that perseverance. We take pride in supporting our clients through these tough times, assisting them in achieving their goals. We believe that by working together, we can overcome any hurdles and continue to foster a brighter future for your enterprise, ensuring that you are not alone on this journey.

NovoPayment’s API-driven platform delivers swift solutions for digital banking, payment processing, and card services. Whether launching a new business, enhancing your current services, or expanding into new markets, we provide the necessary onboarding, a digital backbone, and local integrations to ensure flexibility. Our offerings include Visa and Mastercard prepaid, debit, and credit solutions, tailored to meet the needs of consumers, small to medium enterprises, and larger corporations. With our intuitive embedded APIs, you can seamlessly introduce both physical and digital card programs supported by a strong issuing framework. Users benefit from real-time management of their digital multi-currency accounts, gaining access to a variety of wholesale foreign exchange rates and service providers within our extensive network. We enable the immediate issuance of both virtual and physical cards, designed to meet the unique demands of open and closed-loop programs. As payment solutions drive the success of thriving businesses, we present a well-rounded array of payment tools that are crucial for navigating the modern digital economy. By leveraging our cutting-edge offerings, you can maintain a competitive edge in the ever-changing financial landscape, ensuring your business adapts and thrives.

Transform and elevate your service offerings by gaining seamless access to an all-encompassing financial ecosystem. Featuring a variety of tools such as account management, foreign currency exchange, domestic and international payment solutions, acquiring services, and open banking—all available through a cohesive, developer-friendly API—you have the ability to create unique customer experiences by integrating financial capabilities directly into your products. This integration allows your customers to stay within your ecosystem, eliminating the need for them to seek services elsewhere. Enhance both user engagement and internal operations with a smooth connection to your existing systems. By migrating all your services to OpenPayd, you can benefit from attractive pricing, broad coverage, state-of-the-art technology, and top-notch support. Rapidly scale your operations by leveraging local payment infrastructures, exceptional foreign exchange services, and a vast range of global licenses. OpenPayd's expansive global banking network simplifies the process of handling local and international transactions, enabling you to efficiently address various financial requirements. The combination of these integrated services empowers you to provide exceptional value to your clients while optimizing your business processes for greater efficiency. Ultimately, this positions your business for sustained growth and innovation in a competitive landscape.

Stripe Treasury acts as a banking-as-a-service API, enabling seamless integration of financial services into your platform or marketplace. With a single integration, you can allow your customers to manage their funds, pay bills, earn interest, and effectively handle cash flow. This service provides essential modular elements necessary for crafting a comprehensive and scalable financial product that aligns with your customer needs. By partnering with various banks, Stripe Treasury supports ACH and wire transfers, offers accounts that qualify for FDIC insurance, and ensures faster access to payment funds, all within your platform’s framework. Creating an account object is as simple as making one API call, and users can swiftly onboard by verifying their identity and establishing an account with one of our partner banks in just minutes. You also have the capability to set up a reserve of funds and modify the features of your financial product according to your requirements. There are multiple options available for transferring funds in and out of accounts, and users can be issued custom payment cards, allowing for a variety of ways to utilize their funds. Essentially, Stripe Treasury is designed in partnership with a network of banks to enhance your financial service offerings. This breakthrough approach not only streamlines the banking experience but also amplifies opportunities for revenue generation on your platform, making it a valuable tool for businesses aiming to enhance their financial capabilities. By leveraging these features, businesses can truly customize and elevate the user experience.

Our Banking-as-a-Service offering equips you with all the essential tools needed to craft your customized banking solutions. Operating as a technology-driven firm, Solarisbank holds an official banking license from Germany, ensuring reliability and compliance. By leveraging our intuitive APIs, you can effortlessly integrate our extensive digital banking functionalities into your current offerings. We’ve effectively managed the complex technical and regulatory challenges of the banking sector, enabling you to focus on what matters most: providing exceptional service to your customers. Use our powerful APIs to create a banking experience that aligns perfectly with your vision. With our Digital Banking and Cards APIs, you can launch your own neobank, designed specifically to meet your unique goals. Our B2B2X model guarantees that you retain complete ownership of the customer relationship at every stage. The easy-to-follow API documentation we offer allows for a quick start, ensuring you can make progress without unnecessary delays. Built on state-of-the-art RESTful APIs, our Banking-as-a-Service platform can be customized to fulfill your distinct needs. We handle the regulatory aspects tied to being a licensed bank, giving you the freedom to concentrate on your customers' desires and preferences without any distractions. This approach not only helps you develop a banking product but also fosters a meaningful relationship with your clients, enhancing their overall experience. Ultimately, our solution empowers you to innovate while maintaining a strong connection with your audience.

Basiq is the leading open banking platform that empowers developers to innovate with advanced financial solutions. We ensure secure access to financial data that users have agreed to share, coupled with powerful APIs that unveil essential insights. Our platform is pioneering the evolution of financial applications and services across various industries, such as wealth management, banking, and fintech. By leveraging our extensive and reliable banking data, you can significantly improve digital banking experiences, making them more engaging and tailored to individual users. Our advanced income algorithms facilitate the precise identification of diverse income streams, which range from regular to variable and casual sources, thereby streamlining personal assessments and speeding up lending decisions. Furthermore, we empower customers to gain a more profound understanding of their spending behaviors, which enhances their digital experience. Through the use of Basiq Enrich, you can identify the merchant, location, and category related to every bank transaction, offering invaluable context for users' financial interactions. This process not only cultivates enhanced financial awareness but also leads to increased overall customer satisfaction, encouraging users to take a more active role in managing their finances. Ultimately, Basiq positions itself as an essential tool for developers seeking to drive innovation in the financial sector.

The Sandbox Banking platform is a low-code integration solution tailored for the banking industry, allowing customers to effortlessly connect fintech services with their existing systems. By facilitating smoother collaborations with fintech partners, this platform helps financial institutions accelerate their sales processes, leading to a unified and streamlined experience for banking clients across multiple systems. With the integration of Glyue, banks and credit unions can elevate their revenue potential and improve operational effectiveness through the secure incorporation of fintech products into their current setups. The Glyue™️ platform further aids these institutions in advancing their digital transformation efforts by offering pre-built API connectors and solution templates that enable effortless partnerships with fintech companies. Our growing network of banking adapters and collaborators creates a mutually beneficial environment for both fintech providers and their clientele. Financial institutions can reliably distribute BaaS APIs and connect with fintech vendors, confident that Sandbox Banking will oversee ongoing security, infrastructure upkeep, system upgrades, and necessary adaptations for more than 50 banking organizations. This extensive support empowers banks to concentrate on innovation while tapping into the benefits of a vibrant fintech ecosystem, ultimately fostering a culture of continuous improvement and growth within the sector. As a result, the Sandbox Banking platform not only enhances operational capabilities but also positions banks to remain competitive in an evolving marketplace.

Transforming the landscape of business banking, you can now sign up for a free digital business account in mere minutes, joining a community of over 350,000 enterprises across the UK that have enhanced their banking experience. This innovative approach allows you to effortlessly oversee your business finances. Upon completing your application, you’ll receive a Mastercard debit card with minimal fuss. This intuitive business account comes equipped with powerful financial management features and is completely free of monthly fees or charges for transactions within the UK. Furthermore, you can rely on complimentary 24/7 support from UK-based professionals through the app, over the phone, or via email, ensuring you receive prompt help whenever needed. Your fully regulated UK bank account also provides peace of mind, as your funds are safeguarded up to £85,000 by the Financial Services Compensation Scheme. Enjoy a streamlined experience in your financial transactions. If desired, we can conveniently transfer all your banking services for you via the Current Account Switch Service, which requires just a few taps on the app. When compared to traditional banks, Starling business offers an extensive array of services tailored for limited companies at no additional cost, so take a moment to review our comparison table to see the benefits firsthand. With all of these features, managing your business finances has never been more straightforward or secure, allowing you to focus on what truly matters—growing your business. Take advantage of this opportunity to elevate your financial management today.

Enhance your business operations by leveraging financial solutions to streamline transactions. Facilitate customer payments effortlessly while automating disbursements to both vendors and employees. Ensure that you always have adequate working capital to support growth and expansion. Razorpay’s Payment Suite provides a versatile selection of products that can be tailored to meet your specific business requirements. This platform stands out as an optimal choice for seamless integration, easy online onboarding, feature exploration, and exceptional performance. With Razorpay Payment pages, establishing a custom-branded online store for payment acceptance is incredibly straightforward. Enjoy the convenience of automated payment receipts, which allow you to receive both international and domestic payments seamlessly. The process of online shopping is simplified, requiring no coding expertise. Effective preparation is essential; utilize Hosted Event Registration to quickly enroll attendees and automatically generate receipts. If you're considering fundraising for a noble cause, Hosted Donations streamlines the process and ensures that 80G receipts are sent out automatically, saving you valuable time and effort. In this way, Razorpay supports not just transactions but also the overall growth and efficiency of your business.

Boost your revenue and improve customer satisfaction by incorporating financial functionalities into your product. With Unit managing the intricate aspects of compliance and banking relationships, you can accelerate your growth and development initiatives. Take advantage of our extensive range of APIs, developer assets, and documentation to launch distinctive features in just five weeks. Customize your offerings to align with user preferences thanks to the flexible design of Unit’s API. This platform not only ensures speed and reliability but is also fortified with security, gaining the confidence of startups, well-known brands, and publicly traded companies. Offer streamlined financial solutions specifically designed for freelancers and gig economy workers, including cash advances, automated tax calculations, and seamless integrations with platforms like Abound and Plaid. By utilizing these resources, you can create an outstanding user experience that differentiates you in a competitive landscape. Additionally, your ability to adapt quickly to market demands will enhance your reputation and foster long-term customer loyalty.

ConnectPay provides a comprehensive financial platform specifically designed to support the growth of your online business. Our user-friendly solution manages payments, accounts, and all financial aspects, allowing you to concentrate on what truly drives your passion. With a solid reputation among top platforms, marketplaces, and other online enterprises, we successfully processed over 3.6 million transactions in 2023, averaging around €1 billion monthly, while overseeing €101 million in client funds. Here’s what we bring to the table: - Embedded finance through Banking as a Service - Integrated compliance measures - IBAN accounts for Business, Personal, and Segregated uses - Digital wallets for convenient transactions - Euro-zone SEPA and SEPA Instant payment options - Cross-border SWIFT payments available in more than 80 currencies - Multicurrency account management - VISA Cards for Business, Personal, and white-label purposes - Payment acceptance solutions for merchants - Daily banking services tailored to your needs As an Electronic Money Institution regulated by the Central Bank of Lithuania, ConnectPay complies fully with the regulatory standards set by the European Central Bank, ensuring a reliable and secure experience for our clients. Our commitment to excellence makes us a trusted partner for online businesses aiming to thrive in a competitive landscape.

Ensuring digital accessibility is vital for your clientele. Revolutionize your financial services by leveraging Arttha's digital banking as a service, which can significantly enhance your business offerings. Since your customers value instant payments, you can seamlessly integrate Arttha with your existing Core Banking Systems to facilitate rapid digital transactions. This will not only boost customer satisfaction but also empower you to make more informed lending decisions in the fast-evolving lending environment. Arttha acts as a robust tool for overseeing the entire lending lifecycle, an essential component for your business operations. Additionally, enable your merchants to process payments wherever and whenever they need with the Arttha merchant management solution. This comprehensive platform addresses all facets of payment acquisition, from onboarding processes to hardware support and detailed analytics. By utilizing Arttha Agent Banking, you can extend your Digital Bank services to underserved communities, promoting Financial Inclusion. You have the flexibility to customize features, business rules, and services to perfectly match your specific business needs, thereby fostering growth in unexplored markets. This strategy not only expands your market reach but also reinforces your brand’s dedication to providing customer-focused solutions, ultimately driving long-term loyalty and engagement among your clientele.

Conductor emerges as the leading banking-as-a-service and card issuance platform within Latin America. This advanced, cloud-based system, featuring an open API, empowers a diverse array of fintechs, banks, retailers, and enterprises throughout the region, aiding them in the creation and growth of modern digital accounts and card programs. At present, Conductor oversees over 85 million accounts and manages an impressive payment volume that surpasses $20 billion across Latin America. As a pioneer in the digital transformation of the payments industry, Conductor's innovative technology enables businesses from various sectors in Brazil and beyond to provide top-notch payment solutions to their customers. Furthermore, Dock operates as a payment institution, offering an Open Banking platform that allows other businesses to smoothly introduce financial services and effectively set up their own banks or fintechs under a white-label arrangement. The collaboration between Conductor and Dock exemplifies the rapid advancement in financial services, simplifying the process for businesses to innovate and respond to consumer needs. In this dynamic landscape, companies can leverage these platforms to enhance their offerings and stay competitive.

Green Dot operates as a bank holding company focused on leveraging financial technology to provide modern banking and money transfer services for a broad audience. Through our cutting-edge technology, we enable faster and more efficient electronic transactions and financial management, allowing users to easily spend, send, manage, and save their money with convenience. Our Banking as a Service (BaaS) platform empowers numerous leading consumer and technology firms both in the U.S. and internationally to develop and deploy customized banking and payment solutions tailored to their needs. Founded in 1999 and headquartered in Pasadena, CA, Green Dot has directly assisted over 33 million customers, alongside many more through our banking partners, while primarily operating as a "branchless bank." This transformation not only highlights our dedication to improving financial accessibility but also underscores our role in driving innovation within the banking industry. Our ongoing efforts aim to redefine the banking experience for individuals and businesses alike.

Treasury Prime APIs facilitate the connection between Fintech companies and banking institutions, enabling the smooth integration of an extensive range of banking services, encompassing everything from account creation to payment processing and card issuance. For Fintechs, this innovative solution significantly speeds up market entry while offering a pricing model that is both reasonable and effective; utilizing Treasury Prime is five times quicker and more economical than building your own API connections. Explore our wide array of product offerings, which represent the most comprehensive selection of banking services available, accompanied by custom reporting options vital for your business. Experience an outstanding developer interface featuring the industry's best-documented and most user-friendly API. Through a direct link to your banking partner, we guarantee that the banking services supporting your operations are resilient, as we work with various banks to identify the best match for your requirements. This collaboration opens up new growth opportunities for banks, allowing them to forge new banking relationships that enhance deposits, increase transaction revenues, and raise non-interest income—all while avoiding the need for system overhauls. By leveraging our services, banks can cut deposit acquisition costs by 50%, onboard commercial accounts in just two minutes instead of the usual two weeks, leading to an impressive 30% increase in deposits. Furthermore, this cutting-edge approach fosters beneficial growth for both Fintechs and banks, cultivating a mutually beneficial ecosystem for financial services while driving innovation across the sector. In this dynamic landscape, both parties can thrive and adapt to ever-evolving consumer demands.

Our open API platform empowers innovators globally to swiftly issue and manage cards, offering enhanced control, flexibility, and scalability. Marqeta is revolutionizing the capabilities of payment cards. With the most sophisticated infrastructure and tools available, Marqeta's open platform API enables the creation of highly customizable payment card solutions. This platform is designed for developers seeking a more streamlined approach to managing payment programs, allowing them to craft exceptional experiences and drive innovation while facilitating new forms of commerce. As a cutting-edge card issuing platform, it accelerates business growth and supports the development of fresh, innovative products. Featuring an open API sandbox, users can get started in a mere three clicks, instantly issuing physical, tokenized, and virtual payments. Moreover, it provides the ability to manage spending limits, safeguard profit margins, and deliver outstanding user experiences through advanced payment and authorization controls, ultimately setting a new standard in the payments industry. By embracing these capabilities, businesses can stay ahead in a rapidly evolving market.

We oversee the complete process of creating user and bank accounts, onboarding customers, verifying compliance, and ensuring adherence to regulatory standards. Our dedication guarantees that we deliver services that align with industry compliance requirements while providing an effortless experience for users. By utilizing our all-encompassing core banking system, you can roll out innovative banking solutions that prioritize customer needs. We empower enterprises to offer effective payment solutions customized to fit the specific demands of their clientele. Regardless of the payment hurdles that may arise, our extensive range of solutions is designed to tackle them efficiently. Furthermore, we assist both organizations and financial institutions in issuing bespoke physical and virtual cards. By customizing our card offerings to align with your exact specifications, we make sure that your requirements are fully satisfied. We connect the realms of finance, technology, and commerce through our broad capabilities, which encompass collection technologies, payout solutions, merchant integrations, and payment gateways, among other services. Our comprehensive solutions simplify complexities, enabling you to quickly launch cards, programs, or any financial technology product with ease and efficiency. With our partnership, businesses can concentrate on expanding while we expertly navigate the intricate aspects of their financial operations. This allows you to stay ahead in a competitive market while ensuring a smooth transition to advanced financial solutions.

Discover a future-ready payment infrastructure with Finzly's renowned payment core. Seamlessly connect multiple payment channels through a single API on a centralized hub, offering a tailored payment experience that addresses your customers' diverse needs. Break free from the constraints of legacy core systems and swiftly implement cutting-edge financial solutions with exceptional agility. Whether it involves initiating FedNow and RTP, modernizing ACH and wire transfers, or centralizing your processing capabilities, our payment hub is fully equipped to manage all these tasks. Build a modern and highly adaptable treasury experience that aligns with the requirements of the digital economy. Elevate your banking services by leveraging Banking as a Service (BaaS) through Finzly's comprehensive APIs. With Finzly’s award-winning operating system, your financial institution can spearhead innovation and stay ahead in a competitive landscape. FinzlyOS is designed on a user-friendly, app-based platform, allowing you to introduce new financial products as effortlessly as downloading an app on your smartphone. By integrating on-demand features, you can not only retain your current customers but also attract new ones to your offerings. This smooth integration creates a more vibrant and agile banking environment, which is crucial in today’s rapidly changing financial ecosystem. Embrace the future of payments and transform the way your institution operates with Finzly’s advanced solutions.

Effortlessly integrate your application with users' financial data through a secure and efficient Open Banking API. Design unique and appealing products that resonate with your users' needs. Users' financial information varies in format and source, but our connections cover over 90% of both personal and business bank accounts throughout Latin America, as well as tax authorities and gig economy platforms. With our Connect Widget, you can implement this feature in mere minutes, allowing you to devote more time to your essential goals. Our platform prioritizes advanced security measures, and we are in the process of obtaining ISO 27001 certification to uphold the highest security standards. Seamlessly connect your users' financial accounts and enrich their data with minimal hassle. Whether your focus is on lending solutions or smart savings, we are dedicated to helping you create exactly what your users need. By gathering, consolidating, and evaluating customers' financial information, including income details, you have the opportunity to enhance borrowing experiences tailored to their unique circumstances. This thorough strategy not only supports your users effectively but also strengthens your competitive edge in the market. Expanding your capabilities in this way will ensure you remain a leader in innovative financial solutions.

Intergiro offers an extensive range of APIs tailored for businesses aiming to optimize their financial processes or upgrade the banking services they provide to clients, thereby promoting growth and flexibility. By concentrating on banking solutions that cater specifically to businesses, Intergiro delivers services including multi-currency accounts, cards, business banking APIs, payment processing, and integrated financial services via its API platform. Clients can utilize SWIFT and SEPA networks to make both domestic and international payments with ease. When sending money abroad, users can save as much as seven times compared to conventional banks, making it an economical choice for global transactions. Furthermore, customers have the capacity to hold and convert multiple currencies in seconds, all while benefiting from low and transparent fees. With foreign exchange services that provide spot pricing and immediate settlements, the risk of unexpected charges is eliminated. The signup and verification process is simple and completed online, removing the necessity to visit physical banking locations. Businesses can seamlessly accept payments in eight or more currencies as though they were operating locally, facilitating swift international growth through multi-currency payment solutions backed by local infrastructure. By acquiring both a EUR IBAN and a multi-currency IBAN, companies can enhance their potential in international trade, significantly boosting their operational efficiency and global reach. In essence, Intergiro's innovative approach empowers businesses to thrive in a competitive landscape.

Our mission is to support businesses in developing digital finance solutions that are easy to use, groundbreaking, and accessible, all while keeping expenses low and eradicating fraud. Stitch equips fintech firms and embedded businesses across Africa to effectively onboard users and enable seamless bank-to-bank transactions. Make the payment experience easier for your clients with a streamlined one-click checkout feature, which alleviates the stress of high card fees. Improve the onboarding journey for customers and suppliers alike, facilitating smooth transactions within your marketplace or platform. By leveraging Stitch, payment service providers and aggregators can empower their merchants to offer instant, fraud-resistant pay-by-bank checkout options at a much-reduced cost compared to conventional card payments. In addition, simplify the payout process for both customers and suppliers by utilizing the same account linking, ensuring that sending payments is as easy as receiving them. This holistic strategy guarantees that every transaction is not only proficient but also secure and economical, fostering trust and reliability in the digital finance ecosystem. Ultimately, our commitment is to enhance financial inclusivity and innovation across the continent.

The integration of financial services into applications and customer experiences has been made incredibly simple, akin to a drag-and-drop process. A single, cohesive platform offers a wide range of global financial features. Developers can easily use a user-friendly API to integrate international financial services into their applications or customer interactions without hassle. This platform manages billions of dollars in transactions annually, taking care of your embedded financial services seamlessly. If you have your own financial licenses and operational capabilities, you can combine them with our offerings to tap into new markets. With our straightforward APIs, you can create and implement any financial use case in your customer experience effortlessly. This allows you to concentrate on crafting outstanding products, executing effective marketing strategies, and engaging your customers, while we handle the intricate technical details. You can instantly issue virtual debit cards for one-time transactions, making it easier to manage subscriptions like Netflix. Additionally, integrating wage advancement into payroll systems can significantly boost employee satisfaction. By utilizing these comprehensive tools, businesses can enhance their financial operations with exceptional efficiency and agility. Ultimately, this innovative approach empowers companies to focus on growth and customer engagement rather than getting bogged down by complicated financial processes.

Kobble is an innovative financial technology platform that leverages AI-driven modular Banking-as-a-Service solutions to expedite the introduction of new financial offerings. This versatile platform empowers banks, nonbank financial institutions, fintech companies, and retailers to swiftly and effortlessly develop and expand their financial products. With Kobble's modular framework, users can seamlessly incorporate features such as Apple Pay and Google Wallet, manage retail and corporate ledgers, create virtual accounts (including BSB/Acc and PayID), and utilize various payment rails like DE & NPP, PayTo, and acquiring services. Additionally, the platform provides card issuance options for prepaid, debit, and bin sponsorship cards, as well as foreign exchange and remittance services. Users also have access to multi-currency accounts, reward and loyalty solutions, and essential compliance tools such as KYC, liveness checks, PEP, and sanctions screening. Other features include personal financial management tools, transaction monitoring for AML and fraud prevention, open banking capabilities, and white-label options, alongside AFSL licensing for enhanced operational flexibility. Overall, Kobble stands out as a comprehensive solution for those looking to innovate in the financial sector.

CoreWallet is a versatile software framework designed for developing solutions in e-money management, virtual account management, and online payment processing, catering to a wide array of businesses including e-commerce, retail, and small enterprises. It serves various industries, such as: - E-commerce platforms and online marketplaces in need of specialized payment orchestration technology - Fintech firms that are required to adhere to AML regulations, PCI DSS, and KYC standards within their systems - Service providers aiming to develop a white-label payment gateway or eWallet solution for distribution to other businesses - Financial institutions looking to enhance their offerings with modern supplementary services - Along with numerous other applications CoreWallet offers essential infrastructure, which encompasses components like accounting/subledger, management of user data, standardized wallet financial processes, and integration with external payment systems, all of which can be tailored and expanded by the products that leverage it. Additionally, the detailed online documentation portal provides comprehensive insights into CoreWallet's modules and functionalities, ensuring users can maximize the framework's potential.

Around the world, numerous communities and organizations are increasingly adopting Bitcoin alongside the Lightning network through Galoy, a pioneering open-source banking solution. This initiative contributes not only to the creation of Bitcoin banking frameworks using self-hosted systems but also provides a managed service model referred to as "banking-as-a-service." With the same shared custody model and intuitive Lightning wallet that helped Bitcoin Beach cultivate a robust circular economy, individuals can easily establish their own Bitcoin community banks. The platform capitalizes on existing infrastructure to offer contemporary financial services to anyone with a mobile device and internet connectivity. This is the reason we develop tools that empower various organizations to implement their own Bitcoin-focused banking systems, regardless of their scale or nature. The application streamlines transactions by allowing payments via Bitcoin addresses, Lightning invoices, or distinct usernames, while maintaining a transaction log that monitors users' payment histories. Furthermore, a mobile-optimized map highlights local businesses that accept Lightning payments, enriching the user experience for both consumers and merchants. By merging technological advancements with community requirements, Galoy is ushering in a transformative wave in the realm of digital finance, fostering inclusive economic participation for all.

Quiltt delivers an all-encompassing fintech infrastructure that empowers individuals to effortlessly craft innovative financial solutions. This simplicity allows for a streamlined process without unnecessary complications. We have thoughtfully assembled the vital tools that creators need to quickly roll out customer-centric features, including account linking, budgeting applications, bill management, and more, which greatly minimizes both time investment and expenses. The Quiltt Connect feature serves as an embeddable user interface module that provides an in-depth, contextual financial summary of your customers. Leveraging the powerful Quiltt GraphQL API, Connect is seamlessly combined with Plaid's outstanding bank data network and Spade's sophisticated transaction enrichment features. Implementing Connect into your product is as straightforward as inserting a few lines of code, enabling your team to focus on refining your distinctive innovations while simultaneously improving the user experience. With Quiltt, the process of launching a financial product that caters to contemporary needs has never been more accessible, paving the way for future advancements in the fintech sector.

Payitoff is a financial technology company that focuses on providing cutting-edge debt management solutions, which can be easily integrated into the offerings of banks, lenders, and financial wellness providers. Their user-friendly platform includes both low-code and no-code options, allowing these financial institutions to design personalized debt repayment strategies for their customers, enhancing financial outcomes and increasing customer interaction. By leveraging Payitoff's services, organizations can access real-time debt account information and deliver valuable guidance, helping users save an average of $323 monthly on federal student loan payments. The platform supports various types of debt, such as student loans, credit cards, mortgages, auto loans, and personal loans, aiming to transform debt management into a vital driver of business success. By providing your clients with intelligent debt guidance tools, you can help them consistently reach the best financial results. With just a few straightforward steps, users can carry out in-app actions that are specifically crafted to potentially save them substantial amounts throughout their repayment timelines, ultimately contributing to a more stable financial future. This capability to efficiently oversee and mitigate debt is a crucial benefit in the current financial environment, where effective debt management can distinguish a company from its competitors.

Business transactions can be a complex and time-consuming endeavor, often resulting in wasted resources and the risk of losing customers. Our API payment infrastructure simplifies this process, allowing for the effective automation and seamless integration of payments within your business operations. This improvement enhances overall efficiency and acts as a significant driver for revenue growth. You can easily automate various B2B payment tasks such as receivables, payables, collections, and disbursements, which boosts your team's productivity while reducing operational costs. By centering payments in your platform, workflows, and customer interactions, you can fundamentally change the way your business operates. Our solution provides easy access to payment schemes across the UK, EU, and global markets, including card services, all integrated into your existing software. We deliver the necessary payment infrastructure required to establish a leading banking or payment service. With our platform's assistance, you can quicken growth and broaden your market reach effectively. Additionally, you can securely manage loan disbursements and repayments in real-time, maintaining segregated accounts around the clock. Ensuring timely and reliable payments for your staff, you benefit from a continuous real-time cash flow overview, instant emergency payments, and robust approval processes. By utilizing our all-encompassing solution, your organization can completely reinvent its payment management strategies, aligning them more closely with modern business needs. Furthermore, this transformation paves the way for enhanced customer satisfaction and loyalty, helping you thrive in a competitive landscape.

Unlimit operates as a worldwide fintech firm that provides an extensive range of financial services, including payment gateway solutions, tailored for both emerging and established businesses. With an impressive selection of over 1000 alternative payment methods, along with comprehensive support for major card brands such as Visa, Mastercard, JCB, UnionPay, Discover, and Diners Club, the company empowers clients to receive payments from virtually any location globally. Boasting 16 offices across different regions and a dedicated workforce of more than 400 employees, Unlimit ensures clients benefit from local acquiring options and enhanced conversion rates in the markets they serve. We take pride in our commitment to staying connected to local communities, enabling us to deliver genuine insights into consumer preferences and requirements. This localized approach not only strengthens our relationships with merchants but also enhances the overall payment experience for customers.

Delivering banking solutions to your clients has become remarkably straightforward. By incorporating banking products and services into your offerings, you not only boost your value proposition but also diversify your revenue streams. Synctera's banking as a service (BaaS) platform provides you with all the essential tools needed to create, launch, and expand embedded banking and financial solutions seamlessly. No matter the size or sector of your business, Synctera empowers you to design and scale banking products with ease. With a unified suite of flexible and secure APIs at your disposal, you can leverage cutting-edge technologies critical for crafting an exceptional banking experience. For those new to the financial landscape, Synctera supplies extensive documentation to guide you throughout your development process. The BaaS platform features a wide range of sponsor banks, enhancing your financial products with strong capabilities. We prioritize establishing meaningful partnerships between your business and the sponsor bank that aligns with your specific product goals, intended audience, and schedule, enabling you to launch and grow with confidence. This collaborative framework not only nurtures a supportive atmosphere but also encourages innovation and sustainable success within the financial sector, paving the way for future advancements. Embracing this approach will help you stay competitive and responsive to market needs.

Our financial software offerings deliver a holistic and integrated solution tailored specifically for wholesale banking within the institutional banking sector. Since wholesale banking generates more than half of a bank's revenue, many related processes still rely on manual methods, which can lead to poor customer service and prolonged decision-making times. We revolutionize your banking operations by implementing an AI-driven solution that covers all aspects of commercial lending activities. By digitizing the lending process for small and medium enterprises (SMEs), your bank can make faster and smarter credit decisions. Our AI-enhanced credit management platform streamlines the entire SME lending experience, from initial onboarding and assessment to credit bureau integration, disbursement, and ongoing servicing. This significant transformation not only minimizes the time spent on processing applications but also elevates the customer experience and empowers your bank to make more data-driven decisions through AI-based prioritization methods. Additionally, adopting our cutting-edge solutions will help position your bank as a leader in the rapidly evolving financial technology arena. With our support, your institution can stay ahead of industry trends and meet the demands of modern banking customers effectively.

We employ state-of-the-art security protocols, cutting-edge technology, and uphold rigorous banking industry standards to deliver exceptional security. Our operations are fully compliant with all relevant national and international regulations, ensuring their legitimacy. Our services surpass conventional cash methods and easily integrate with both digital and physical card systems. We offer a secure platform that allows your customers to manage their cash balances safely. With the capacity for instant digital cash transfers globally via digital wallets and prepaid cards, we enhance financial agility. Furthermore, we provide loans directly to small businesses and consumers through efficient automated credit processes. Our user-oriented platform is crafted to facilitate the rapid distribution of funds. The registration process is simple, enabling safe and quick international money transfers. When customers shop via your app, website, or physical store, you can swiftly create a virtual account for them to deposit rewards, rebates, and refunds, which can be used for future purchases, fostering repeat business. This smooth operation not only boosts customer loyalty but also significantly increases sales, creating a win-win situation for both businesses and consumers. Additionally, our commitment to innovation ensures that we continuously adapt to meet the evolving needs of our users.

Cybrid provides state-of-the-art payment integration solutions that enhance financial interactions through sophisticated APIs and SDKs. Our platform is meticulously crafted to simplify complex payment processes, including smooth KYC procedures, efficient funds transfers, and prompt settlements. We facilitate access to bank accounts via Plaid and offer various money transfer methods such as ACH, Wire, and RTP, along with Virtual FBO Accounts in both USD and CAD. A standout aspect of Cybrid is our ability to seamlessly integrate cryptocurrency on and offramps, made possible by our Smart Order Router. This feature includes direct connections to Bitcoin (with support for the Lightning Network) and Circle's USDC, encompassing multiple blockchain networks such as Ethereum, Polygon, Solana, and Stellar, which uniquely positions us in the digital currency landscape. Cybrid stands out as the top option for businesses aiming to integrate payment solutions directly into their software, providing a secure, effective, and adaptable approach to financial integrations. Moreover, our commitment to innovation ensures that our clients remain at the forefront of the evolving payment landscape.

Join forces with more than 60 collaborators to engage a collective audience of 30 million users, where every line of code you produce has the potential to make a significant difference in many lives. Aim to build a fulfilling career rather than just a job, as we take care of your financial rewards and technological requirements. Your primary task will center on pioneering advancements for the future while managing an expanding selection of over 20 products that aim to evolve from being market-fit to achieving market supremacy. Should you identify uncharted opportunities, you will possess the autonomy to launch new projects. We are dedicated to crafting revolutionary solutions across various industries, such as banking, fintech, and the emerging wave of digital firms aiming to enhance financial services. You'll be at the helm, guiding not only through established plans but also helping to unearth fresh pathways. Our approach values a flat organizational structure over traditional hierarchies and micromanagement, promoting decentralized ownership where teams create their own rules, strategies, and reporting methods. We expect you to embody this same ethos of freedom and creativity in your contributions. This role offers a chance to truly make a difference while enjoying the flexibility and resources necessary to propel your initiatives forward, thus fostering both personal and professional growth. In this environment, innovation is celebrated, and your ideas can flourish.

Striga operates as a comprehensive platform for digital assets and financial services, delivering an extensive range of APIs designed to handle the complex aspects of security and adherence to regulatory frameworks. Its diverse clientele includes emerging FinTech companies, innovators in the Web3 space, established banking institutions, and cryptocurrency exchanges, all of which utilize its wide array of services, including crypto custody, trading, card issuance, as well as facilitating crypto/fiat onramping and offramping, in addition to providing virtual IBANs. Through Striga's powerful APIs, organizations can seamlessly: - Offer cryptocurrency accounts customized for both personal and business clients - Create virtual IBANs tailored to meet the needs of retail and corporate users - Develop both physical and virtual cards, significantly improving the overall experience for their customers by enhancing convenience and accessibility. This versatility enables businesses to remain agile in an ever-evolving financial landscape.

The Ninth Wave Platform offers a comprehensive and secure open banking solution that enables financial institutions to efficiently share authorized data with a variety of third-party applications, including aggregators, fintech companies, accounting and ERP systems, personal finance management tools, tax preparation software, and other consumer and business applications. By leveraging Ninth Wave, both retail and commercial banks, credit unions, wealth managers, and various financial services providers can grant their customers immediate and convenient access to their data on their own terms, ensuring it is accessible anytime through their preferred applications or services. This groundbreaking approach not only improves the digital user experience but also boosts customer satisfaction and loyalty, expands the potential customer base, creates new revenue streams, reduces risks, and assures compliance with regulatory standards. Furthermore, this platform positions financial institutions to effectively navigate the changing dynamics of digital banking while retaining a competitive advantage in the market. The Ninth Wave Platform thus stands as a vital tool for financial institutions looking to thrive in a rapidly evolving industry.

Get access to complimentary banking data along with premium insights through a comprehensive API designed for banking, lending, and financial applications. This all-inclusive API allows users to retrieve account details, categorize transactions, and gain valuable insights all in one place, enabling the development of robust finance-related solutions.